It is a manufacturing mistake.

It is a carry over from the 16" mould which (by law) must say "mount only on 16" rim" or words to that effect, this was because at the time, 16.5" tires for pickups were cheap and plentiful, and 16" rims were not, so people would put a 16" trailer tire on a 16.5" rim, and it would work...... for a while.

Just replace them with a set of ST205/75R15 tires from a reputable manufacturer and you (and the boat) will be fine. Are you sure though that you don't have the weight numbers on the boat wrong though? A ST205/75R15 tire is only a load range 'C' tire, i.e. 6 ply rating, and is only rated for 1,820 pounds, so 2 of them would only be rated for 3,640 pounds, but you say you are higher than that. If that's the case you should consider getting the next size larger tire which is a ST225/75R15 but is rated for 2,540 pounds each, which gives you an extra 720 pounds each, or 1,440 pounds total weight carrying capacity.

If this is the case then you should also ensure that the axle and suspension on your trailer (look at the weights listed on the manufacturer data plate) is rated for at least 4,000 pounds also.

If you have 3,500 pound capacity running gear (axle & springs) and 3,640 pounds of tire, but a gross weight exceeding that, someone will point an accusing finger if there's ever a problem.

I don't know how far you from Albany, but I doubt you'll find better prices or service than at Redneck Trailer Supplies, I dealt with them for years when I was manufacturing trailers and truck bodies. Good people.

Best of luck.

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